Your roof is the most important part of your home, keeping your family safe, dry and free from the outdoor elements. So when a problem with your roof arises, you want the best of the best. Homeowners often ask to see a roofing contractor’s license and insurance-and they should. It’s important for homeowners to be aware and informed of who is working on their home.

Requirements

In the state of Michigan, if you are working on a roof (other than your own) it is required that you are licensed. During the process of obtaining a license, contractors have to prove their knowledge and capabilities in their field of work by passing tests. This ensures the homeowner that their contractor knows the latest and best practices for roof installation, repair and maintenance, including all relevant and permitting rules.

Having a licensed roofing contractor work on your roof means they will get the job done right the first time. With an unlicensed roofer, you have no guarantee that the work will be done up to standard or correctly. Licensing just doesn’t benefit the contractor-it also benefits you. The same goes for insurance as well.

Insurance

Another perk of hiring a licensed roofer is insurance. Roofers that are licensed carry insurance to not only protect their employees, company, equipment and vehicles- but it also protects you the homeowner.

Roofing work involves a numerous amount of hazards, from carrying heavy materials up and down ladders to working near close edges at a high elevation. For these types of hazards, insurance premiums are quite pricey but are incredibly important. Having an uninsured contractor working on your roof can pose a potential risk to you as a homeowner. Insurance matters for two reasons:

• Liability- This covers property damage and injuries that are caused by the contractor’s work.
• Workers’ Compensation-This provided payments to injured workers, regardless of who was at fault in the accident, for lost wages and/or medical services. It’ll also provide benefits to the contractor’s family in the event a death happens.

When reviewing a roofer insurance coverage, it’s important to make sure that liability, workman’s compensation and vehicles are all covered. Without insurance, homeowners would end up paying out of their own pocket if their homeowner’s policy isn’t sufficient enough to cover the bills if a contractor is injured or there is an accident on the property.

Looking for licensed and insured roof inspector? Look no further. Contact the team at RoofAdvisor today for a thorough roof inspection.